Dale, I remember a few previous discussions on the forum about whether the train should stop or continue. Some would not want an engine stopping in a tunnel or inaccessible part of their layout. Others might.
On a serious note, adding safety feature that mean more code, or hardware can just drive up the price and complexity. Both Lionel and MTH provide the kill switch, or a simple direction change brings this casualty to a stop. For conventional operators rolling the throttle back is all it takes. G